PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Hwy Empl. Dist. No. 6

Spokane, WA · Charter 89139

Q4 1996

$9.7MAssets
$7.6MLoans
$8.5MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.89%, down 40 bps year over year.
  • Asset quality: problem loans at 1.02% of loans (+80 bps YoY).
  • Funding: loans stand at 89.09% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.89%-40 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.29%5.00%5.06%4.87%4.89%-40 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a6.74%10.10%n/a
Loan Growth (YoY)n/an/an/a1.56%6.00%n/a
Share Growth (YoY)n/an/an/a4.94%9.40%n/a
Asset Quality
Delinquent Loans / Loans0.22%0.54%0.55%0.48%1.02%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.95%99.10%90.76%86.34%89.09%-286 bps
Liquid Assets / Assets4.72%12.10%8.33%20.79%16.29%+1,157 bps